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If you're a first home buyer, experienced property investor or looking for a better deal through refinancing we've got you covered. With over 35 years experience we'll save you thousands & have you approved before you know it.

Congratulations – you’ve received your pre-approval for a car loan. You’re one step closer to getting the car loan you want and getting on the road in your dream vehicle. There are still a few more steps to go, and we can help you go from car loan pre-approval to driving your car home.

What is car loan pre-approval?

Getting car loan pre-approval is a really important step to take before you start shopping for the car of your dreams. Pre-approval will give you an accurate idea of exactly how much you’re likely to be able to borrow – before you start to make your applications.

To get car loan pre-approval, you’ll need to provide certain information to a potential lender. They will then give you a maximum loan amount.

Bear in mind that you may not receive all the information about the loan such as fees, loan term and interest rates.

What are the advantages of car loan pre-approval?

There are many advantages of getting pre-approval for a car loan. You’ll be able to understand how much you have to spend on a vehicle, which could really help you when it comes to speaking with dealerships and negotiating the best deal.

With car loan pre-approval, you’ll also avoid making numerous applications for loans that you can’t afford and are then rejected for. You can make applications sensibly and selectively after getting car loan pre-approval.

To avoid damaging your credit rating, applying for car loans should always be kept to a minimum, and only made for realistic amounts that you are able to afford to pay back in full.

What do you need to do after car loan pre-approval?

Once you’ve received your car loan pre-approval, it’s time to start choosing from the best car loans available. And we can help you with this. Our team of expert brokers has decades of experience as well as access to a wide range of lenders – meaning that we could help save you time, money, and the stress of figuring out which loan is right for you.

When you find the right loan, you need to consider the term of the loan, as well as the interest rate and fees involved. You should budget sensibly and also take into account extra costs such as ongoing maintenance, insurance, and fuel each month.

Get all of your documents in order so that you can have these ready to show or send off as soon as your lender needs them. You’ll generally need to show proof of identification, residency, and income.

What is the application process for car loans?

We’ll lead you through each step – from an initial phone call or online quote to speaking with your chosen lender and congratulating you on your car loan approval.

We can help you to understand what’s required from you, offer helpful advice along the way, put you in touch with the best lender for your situation, and generally help to make the whole car loan application process as positive and stress-free as possible.

Let Positive Lending Solutions lead you through to the finish line

With decades of experience working to help people find the best car loans, we have access to a wide range of lenders. We know the process back to front and we can lead you through each step of the way – answering your questions and queries as we go.

Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.